<ARTICLE> 9

                                                  
<PERIOD-TYPE>                   6-MOS                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1999             DEC-31-1998
<PERIOD-END>                               JUN-30-1999             DEC-31-1998
<CASH>                                          16,207                  14,938
<INT-BEARING-DEPOSITS>                         451,300                 444,270
<FED-FUNDS-SOLD>                                 1,243                       0
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                    121,339                  98,243
<INVESTMENTS-CARRYING>                          69,474                  88,570
<INVESTMENTS-MARKET>                            70,763                  91,579
<LOANS>                                        467,052                 438,947
<ALLOWANCE>                                      7,062                   6,512
<TOTAL-ASSETS>                                 717,733                 667,951
<DEPOSITS>                                     514,476                 508,573
<SHORT-TERM>                                   134,176                  90,158
<LIABILITIES-OTHER>                              6,866                   5,118
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                         2,436                   2,436
<OTHER-SE>                                      59,779                  61,666
<TOTAL-LIABILITIES-AND-EQUITY>                 717,733                 667,951
<INTEREST-LOAN>                                 20,101                  37,845
<INTEREST-INVEST>                                6,618                  10,937
<INTEREST-OTHER>                                     0                      33
<INTEREST-TOTAL>                                26,719                  48,815
<INTEREST-DEPOSIT>                               8,962                  17,017
<INTEREST-EXPENSE>                              11,648                  20,750
<INTEREST-INCOME-NET>                           15,071                  28,065
<LOAN-LOSSES>                                      940                   1,376
<SECURITIES-GAINS>                                 150                       0
<EXPENSE-OTHER>                                  9,475                  17,073
<INCOME-PRETAX>                                  7,705                  14,114
<INCOME-PRE-EXTRAORDINARY>                       7,705                  14,114
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     5,229                   9,645
<EPS-BASIC>                                       0.79                    1.43
<EPS-DILUTED>                                     0.79                    1.41
<YIELD-ACTUAL>                                    8.35                    8.88
<LOANS-NON>                                      3,385                   1,710
<LOANS-PAST>                                       405                     612
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                  3,790                   2,322
<ALLOWANCE-OPEN>                                 6,512                   5,640
<CHARGE-OFFS>                                      458                     770
<RECOVERIES>                                        68                     266
<ALLOWANCE-CLOSE>                                7,062                   6,512
<ALLOWANCE-DOMESTIC>                             6,421                   5,927
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                            641                     585